SME Digital Banking.

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SME Digital Banking

SME stats https://www.youtube.com/watch?v=z6PYAkXO-bU Picture: https://publichealthwatch.files.wordpress.com/2013/10/cdo-lowres.jpg

SME stats https://www.youtube.com/watch?v=z6PYAkXO-bU Picture: https://publichealthwatch.files.wordpress.com/2013/10/cdo-lowres.jpg

SME stats https://www.youtube.com/watch?v=z6PYAkXO-bU Picture: https://publichealthwatch.files.wordpress.com/2013/10/cdo-lowres.jpg

Digital Banking Platform Existing platform as a “service channel” Account information and details Payment transactions Document transferring Defining platform as a “sales pipeline channel” Acquisition of new and existing clients through already available channel Predefined product catalog Vanilla scoring model Video Call module - Business advisory Added value for Bank and Clients https://www.youtube.com/watch?v=z6PYAkXO-bU Picture: https://publichealthwatch.files.wordpress.com/2013/10/cdo-lowres.jpg

SME Portfolio segmentation Micro and Small Enterprise Simple financial needs Tailored made products Short-term loans for working capital Questionnaire without bank terminology Medium Enterprise More complex financial needs Custom products Advanced process and questionnaire Client select terms and conditions Business advisory through Video Call module https://www.youtube.com/watch?v=z6PYAkXO-bU Picture: https://publichealthwatch.files.wordpress.com/2013/10/cdo-lowres.jpg

Small Enterprise - Concept „eligible for amount“ Client get preapproved amount of short-term loans Based on historic data for existing clients Simple questionnaire for new clients How many years Company exist Yearly turnover Monthly regular revenue Total asset Tailored made simple products % of monthly revenue for predefined period- Preapproved overdraft % of yearly turnover for predefined period- Preapproved loan Example Family business 5 employees Monthly revenue for last 6 months 30.000€ You are eligible for overdraft up to 3.000€ . Apply now! https://www.youtube.com/watch?v=z6PYAkXO-bU Picture: https://publichealthwatch.files.wordpress.com/2013/10/cdo-lowres.jpg

Medium Enterprise - Concept „credit line“ Client get preapproved amount of long –term loan Based on historic data for existing clients Advanced questionnaire for new clients Additional details from P/L and balance sheets Custom products with threshold Bank defines parameters (amount, period, tenor) Client selects details of loans Credit calculator with indicator Grace period Collateral with details (type, estimated value, location) Preliminary result – vanilla scoring model Video call available for business advisory https://www.youtube.com/watch?v=z6PYAkXO-bU Picture: https://publichealthwatch.files.wordpress.com/2013/10/cdo-lowres.jpg

Business Financial Manager- additional features Cash Flow Analysis Client can analyze and understand cash flow by tracking historic, actual and forecasted incomes & outcomes Transaction categorization Enables clients to visualize expense categories and income sources over a defined date range through a frictionless, intuitive UI. Financial Planner Expenditure planner enables the client to define the payment in advance Budgeting Helps keep business expenses under control https://www.youtube.com/watch?v=z6PYAkXO-bU Picture: https://publichealthwatch.files.wordpress.com/2013/10/cdo-lowres.jpg